Pioneering App Breaks the Mold on Social Media

Sales on Small Business Saturday and during the holiday season can often make or break a small business.During this time, many small businesses are focused on revenues and operational efficiency. But they should also dedicate time to address their financial risks.Small business owners can manage these risks by adapting their individual financial plans to the risks of business ownership.The top financial planning areas of concern for small business owners are:1. Tax planning. Businesses and individuals have different marginal tax rates at different income brackets. A CFP® professional can help you coordinate your business and personal income taxes for maximum returns.2. Insurance coverage. Small businesses require specialized insurance coverage beyond what the owners may have for themselves and their families. Small businesses need to have a safety net in the event that they are affected by a natural disaster, death or disability of the owner or other key individual, loss of property, or lawsuits from negligence or defective products.

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